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 Macam ni kira total loss? Half vs Fully submerged

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TSAlex9892
post Yesterday, 10:15 PM, updated 12h ago

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Location-Hatyai,Diamond Plaza Hotel

This post has been edited by Alex9892: Yesterday, 11:04 PM
smallcrab
post Yesterday, 10:18 PM

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Roadwarrior1337
post Yesterday, 10:19 PM

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Total loss hope owner got flood insurance
Phoenix_KL
post Yesterday, 10:24 PM

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mick84
post Yesterday, 10:24 PM

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Total submerged.
Root-X
post Yesterday, 10:37 PM

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SONGKHLA - The governor of this southern province ordered the total evacuation of Hat Yai district by Monday evening as flood levels continued to rise, boosted by record rainfall.

Governor Rathasat Cherdchu said everyone in all flood-prone areas of Hat Yai must move to shelters at Prince of Songkla University in Hat Yai district, Songkhla Rajabhat University in Muang district or the Second Naval Area Command in Muang district by 4pm on Monday.

More shelters were later opened for evacuees at the Technical Promotion and Support Office and Thaksin University in Muang Songkhla district.

Soldiers joined teams of rescue workers in vehicles and flat-bottomed boats evacuating people - many aged, infirm or ill - from flood-isolated areas.

The Department of Disaster Prevention and Mitigation said persistent rain and flood water water flowing from Khlong Hoi Khong district was expected to raise flood levels in Hat Yai by up to half a metre by midnight and by 1.25-1.45 metres by 6am on Tuesday.

Flood water at the Hat Yai office of the Provincial Waterworks Authority was three metres deep and had already caused the shutdown of the tap water plant.

The Royal Irrigation Department said the flood waters in Hat Yai were already from 50cm to 2.5m deep. The district also suffered under a record high daily rainfall, according to records dating back three centuries, with 335 millimetres on Friday last week and 630mm from Wednesday to Friday last week.

According to the National Statistical Office about 405,000 people lived in in Hat Yai as of 2023, the latest figures available.

https://www.bangkokpost.com/thailand/general/3143425/


KLthinker91
post Yesterday, 10:42 PM

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I think the upholstery and dashboard pretty much gg

Floodwater is full of dirt and shit and decaying matter, which goes into the materials which are immersed in it
jmas
post Yesterday, 10:46 PM

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QUOTE(Roadwarrior1337 @ Nov 24 2025, 10:19 PM)
Total loss hope owner got flood insurance
*
if malaysian car in thailand, covered? no right?
TSAlex9892
post Yesterday, 10:50 PM

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QUOTE(Roadwarrior1337 @ Nov 24 2025, 10:19 PM)
Total loss hope owner got flood insurance
*
Even got buy special perils like flood/natural disaster but Malaysia registered car, masuk Thailand kena this, can claim?

galkelly
post Yesterday, 10:52 PM

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My relative car is there now .. submerged
He keep asking me how to bring the car back to selangor.
Any idea ?!
TSAlex9892
post Yesterday, 10:55 PM

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QUOTE(smallcrab @ Nov 24 2025, 10:18 PM)
Right side is a Tesla?
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Yes, right Tesla, left macam Vios.
OldSchoolJoke
post Yesterday, 10:58 PM

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QUOTE(galkelly @ Nov 24 2025, 10:52 PM)
My relative car is there now .. submerged
He keep asking me how to bring the car back to selangor.
Any idea ?!
*
ask Thai tow truck tow to border,
push by hand, to malaysia side,
ask Malaysia tow truck tow to selangor

owai.
bill11
post Yesterday, 10:59 PM

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sudah cakap pergi langkawi not hatyai.
quintesson
post Yesterday, 11:05 PM

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why so slow need 2 days to pull out the cars?
jmas
post Yesterday, 11:06 PM

I can edit title???
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QUOTE(galkelly @ Nov 24 2025, 10:52 PM)
My relative car is there now .. submerged
He keep asking me how to bring the car back to selangor.
Any idea ?!
*
quick googling shows
https://towthai.com/
jmas
post Yesterday, 11:07 PM

I can edit title???
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QUOTE(quintesson @ Nov 24 2025, 11:05 PM)
why so slow need 2 days to pull out the cars?
*
area still flooded, who go pull?
ze2
post Yesterday, 11:14 PM

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Really GG
zeese
post Yesterday, 11:19 PM

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QUOTE(OldSchoolJoke @ Nov 24 2025, 10:58 PM)
ask Thai tow truck tow to border,
push by hand, to malaysia side,
ask Malaysia tow truck tow to selangor

owai.
*
I'm thinking the same thing..
submergedx
post Yesterday, 11:21 PM

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QUOTE(mick84 @ Nov 24 2025, 10:24 PM)
Total submerged.
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YES SUBMERGED
submergedx
post Yesterday, 11:22 PM

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QUOTE(Alex9892 @ Nov 24 2025, 10:50 PM)
Even got buy special perils like flood/natural disaster but Malaysia registered car, masuk Thailand kena this, can claim?
*
Entered Thai you need to buy local insurance, if local insurance tak da special perlis. Then gone case.
galkelly
post Yesterday, 11:27 PM

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QUOTE(OldSchoolJoke @ Nov 24 2025, 10:58 PM)
ask Thai tow truck tow to border,
push by hand, to malaysia side,
ask Malaysia tow truck tow to selangor
owai.
*
Ok...noted

QUOTE(jmas @ Nov 24 2025, 11:06 PM)
quick googling shows
https://towthai.com/
*
Thanks 🙏
TSAlex9892
post Today, 12:13 AM

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QUOTE(quintesson @ Nov 24 2025, 11:05 PM)
why so slow need 2 days to pull out the cars?
*
Never see any ppl tow their cars while still flooded. They all wait till rain stop. Mana tau raining continuously and water gets higher and higher.
nelson969
post Today, 12:19 AM

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sudah loss, if the water still half half , maybe can recuse but since it is all the way to top, better nangis until no tear left....
Boomwick
post Today, 12:56 AM

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Wanna go cheap vacation.. end up lose 70 80k
g5sim
post Today, 01:14 AM

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Climate change is woke hoax you all.
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post Today, 01:29 AM

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Aiyo 😳
Root-X
post Today, 01:53 AM

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QUOTE(submergedx @ Nov 24 2025, 11:22 PM)
Entered Thai you need to buy local insurance, if local insurance tak da special perlis. Then gone case.
*
MY car go TH can only buy 3rd party insurance, anything happens to your car tanggung sendiri
ps3 fanboy
post Today, 02:23 AM

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WTS cheap Honda city good condition women driver
Roadwarrior1337
post Today, 06:04 AM

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QUOTE(Root-X @ Nov 25 2025, 01:53 AM)
MY car go TH can only buy 3rd party insurance, anything happens to your car tanggung sendiri
*
Me thinks this is the insurance most people get when entering Thai too.
SKY233
post Today, 06:08 AM

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100% gg
qsub
post Today, 06:17 AM

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QUOTE(ps3 fanboy @ Nov 25 2025, 02:23 AM)
WTS cheap Honda city good condition women driver
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Where can cheap bro, Honda got RV what.
milolauda
post Today, 06:18 AM

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QUOTE(submergedx @ Nov 24 2025, 11:22 PM)
Entered Thai you need to buy local insurance, if local insurance tak da special perlis. Then gone case.
*
ahnehneh , you looked hip with long hair

laugh.gif


beverlykho
post Today, 06:26 AM

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saiga
post Today, 06:27 AM

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QUOTE(g5sim @ Nov 25 2025, 01:14 AM)
Climate change  is woke hoax you all.
*
Every year November mmg musim hujan la at southern thailand. Malaysia also same. Since kid at school already taught about it (called musim tengkujuh).

Nothing new. Unless suddenly got snow or rain like crazy in Jul instead then baru la boleh cakap climate change.


thxxht
post Today, 06:36 AM

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Don’t start the car can still save it
KenM
post Today, 06:39 AM

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QUOTE(OldSchoolJoke @ Nov 24 2025, 09:58 PM)
ask Thai tow truck tow to border,
push by hand, to malaysia side,
ask Malaysia tow truck tow to selangor

owai.
*
why push?.. can't the tow truck apply for cross border and collect the car?.. i don't think pushing a car is allowed as it can be hazardous..
technically, since it has thailand insurance, the negotiation should be completed there...imagine having an overland trip from malaysia to tibet, and something happens halfway.. would you consider transitioning the damaged vehicle back?..the insurance will settle and the vehicle is theirs to dispose..( am i correct?)..
TOMEI-R
post Today, 06:56 AM

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You have to buy special perils or convulsions of nature to cover natural disaster like this which 80% of people won't buy, claiming they never drive in flooded areas.

For going to Thailand, you have to add extension cover to the kingdom of Thailand. Which 70% of the people have no idea about. Your standard insurance won't cover into Thailand.

The compulsory insurance and voluntary insurance cover that you buy at the borders only covers third party bodily injury and property in Thailand. Easier to put it, it only covers people and property of Thailand, not yours.

So yeah, as K like to put it. It's GG.


If you did buy all the above covers, you can have your car towed from Songkhla areas to BKH border (free towing usually included in Thai voluntary insurance cover) and have your Malaysian insurer tow your car from BKH border to your preferred workshop for claims.

This post has been edited by TOMEI-R: Today, 07:14 AM
sihamsedap
post Today, 07:19 AM

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QUOTE(thxxht @ Nov 25 2025, 06:36 AM)
Don’t start the car can still save it
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interior all gone

electronics also byebye

better pay bangla drive off the cliff and claim total loss
Zuchie
post Today, 07:43 AM

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We are very very very lucky, thank God. We have previously entered Thailand b4 when visiting our daughter who is studying at Unimap. On the 22nd, our daughter finished her convo on Saturday morning. We planned drive ourselves to Thailand but then we change our plans & contacted the MPV driver we had used b4. The driver said, don't enter Thailand because now the roads in & out are flooded. If our daughter's convo was on the 23rd or 24th @ 25th … maybe we would be with them now.
Yesterday we all arrived safely in Subang.
MegaCanonF
post Today, 08:02 AM

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what happen if EV got submerged?
Chrix
post Today, 08:12 AM

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Fully submerged sure is not economic to repair, thus total loss due to cost of repair.
jamesteoh8177
post Today, 08:31 AM

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come 2026, bnyk kete seken hand dijual. accident free, low mileage, careful driver and blah...blah..blah...
isr25
post Today, 08:33 AM

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QUOTE(Alex9892 @ Nov 24 2025, 10:50 PM)
Even got buy special perils like flood/natural disaster but Malaysia registered car, masuk Thailand kena this, can claim?
*
You car insurance only cover Malaysia, Singapore & Brunei. Thailand not covered, need to purchase when entering the border. You skimp, your fault.
Disciple
post Today, 08:50 AM

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Really sad to watch
submergedx
post Today, 09:20 AM

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QUOTE(milolauda @ Nov 25 2025, 06:18 AM)
ahnehneh , you looked hip with long hair

laugh.gif
*
user posted image
submergedx
post Today, 09:22 AM

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QUOTE(MegaCanonF @ Nov 25 2025, 08:02 AM)
what happen if EV got submerged?
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kereta tak boleh claim insurance if no perlis, then you need to pay bank monthly.

cry.gif
arif85124
post Today, 09:23 AM

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truly unforgettable lifetime vacation
g5sim
post Today, 09:28 AM

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QUOTE(saiga @ Nov 25 2025, 06:27 AM)
Every year November mmg musim hujan la at southern thailand. Malaysia also same. Since kid at school already taught about it (called musim tengkujuh).

Nothing new. Unless suddenly got snow or rain like crazy in Jul instead then baru la boleh cakap climate change.
*
This year not much heavier ke? Why I feel every year worst. Maybe is the hoax. Psychology 😂😂
Optizorb
post Today, 09:29 AM

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QUOTE(galkelly @ Nov 24 2025, 10:52 PM)
My relative car is there now .. submerged
He keep asking me how to bring the car back to selangor.
Any idea ?!
*
Put in rice for few days
g5sim
post Today, 09:30 AM

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QUOTE(sihamsedap @ Nov 25 2025, 07:19 AM)
interior all gone

electronics also byebye

better pay bangla drive off the cliff and claim total loss
*
Teruk lah you. Bangla life no value ah? Cannot just burn it n say fire started by itself ah??
MegaCanonF
post Today, 09:43 AM

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QUOTE(g5sim @ Nov 25 2025, 09:28 AM)
This year not much heavier ke? Why I feel every year worst. Maybe is the hoax. Psychology 😂😂
*
>pembangunan
>climate change
>nothing much done for tebatan banjir

of course it will just get worse every year
galkelly
post Today, 09:44 AM

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QUOTE(Chrix @ Nov 25 2025, 08:12 AM)
Fully submerged sure is not economic to repair, thus total loss due to cost of repair.
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Habislah that brand new civic...
ry8128
post Today, 09:55 AM

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QUOTE(isr25 @ Nov 25 2025, 08:33 AM)
You car insurance only cover Malaysia, Singapore & Brunei. Thailand not covered, need to purchase when entering the border. You skimp, your fault.
*
Normally how much is the insurance?

QUOTE(galkelly @ Nov 25 2025, 09:44 AM)
Habislah that brand new civic...
*
If he no buy insurance, then habis, 150k buta2 hilang like this
jojolicia
post Today, 10:03 AM

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QUOTE(TOMEI-R @ Nov 25 2025, 06:56 AM)
You have to buy special perils or convulsions of nature to cover natural disaster like this which 80% of people won't buy, claiming they never drive in flooded areas.

For going to Thailand, you have to add extension cover to the kingdom of Thailand. Which 70% of the people have no idea about. Your standard insurance won't cover into Thailand.

The compulsory insurance and voluntary insurance cover that you buy at the borders only covers third party bodily injury and property in Thailand. Easier to put it, it only covers people and property of Thailand, not yours.

So yeah, as K like to put it. It's GG.
If you did buy all the above covers, you can have your car towed from Songkhla areas to BKH border (free towing usually included in Thai voluntary insurance cover) and have your Malaysian insurer tow your car from BKH border to your preferred workshop for claims.
*
In addition to the compulsory Thai CTPL, you can also take up Thai voluntary comprehensive under class 1 or 3+. That said flood peril is excluded same like MY standard comprehensive. Many don’t even bother taking up basic voluntary comprehensive, what not special peril there.

You may also check if your MY current insurance provider can extend cover to Thailand, with special permission (time bracket).

This post has been edited by jojolicia: Today, 10:26 AM
haturaya
post Today, 10:28 AM

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GG
TOMEI-R
post Today, 11:03 AM

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QUOTE(jojolicia @ Nov 25 2025, 10:03 AM)
In addition to the compulsory Thai CTPL, you can also take up Thai voluntary comprehensive under class 1 or 3+. That said flood peril is excluded same like MY standard comprehensive. Many don’t even bother taking up basic voluntary comprehensive, what not special peril there.

You may also check if your MY current insurance provider can extend cover to Thailand, with special permission (time bracket).
*
Like mentioned. You should take special perils for convulsion of nature with your local insurer here, then MUST add another additonal cover to the kingdom of Thailand for your travelling period.

For Thai side insurance, you must buy the compulsory cover like usual, but do add the voluntary cover to protect you against third party claims like damage to houses, street post signs, barriers etc, vehicles.


But then again, customers rarely listens. They only panic when faced with the above situation. Some don't even to purchase insurance through agents like us anymore. Prefer to go buy online to save on the little bit of commision. So they dont get interaction and advise from agents regarding these situation.

This post has been edited by TOMEI-R: Today, 11:04 AM
Current Events guy
post Today, 11:05 AM

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QUOTE(bill11 @ Nov 24 2025, 10:59 PM)
sudah cakap pergi langkawi not hatyai.
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Suppork
Le Don
post Today, 11:36 AM

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Flood seems still very bad. RIP all the cars


QUOTE
Current situation, Level 1 lobby has been flooded,
My husband and others find a way to find an exit, make a rope ready if someone brings food, they can catch up on the 2nd floor
I haven't seen any boats come in yesterday until now because the water level is very high, Lee garden night market is completely flooded, 1st floor, all stores are gone

giftfre
post Today, 11:39 AM

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Accident free, float car yes, So is it a good buy?
nebula87
post Today, 11:43 AM

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QUOTE(Le Don @ Nov 25 2025, 11:36 AM)
Flood seems still very bad. RIP all the cars


*
I saw people are complaining this FB user.. People has been contacted him/her and wanted to save them, but he/she insist that the hotel is the safest place, so they decided to stay..

Crazy people nowadays..wanted to get likes and getting viralled.
Le Don
post Today, 11:49 AM

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QUOTE(nebula87 @ Nov 25 2025, 11:43 AM)
I saw people are complaining this FB user..  People has been contacted him/her and wanted to save them, but he/she insist that the hotel is the safest place, so they decided to stay..

Crazy people nowadays..wanted to get likes and getting viralled.
*
QUOTE
Those who don't know the cause and consequences know that they have been scolding there.
It was my own 530am message Alez. He asked me if I wanted to leave. I replied that the hotel was temporarily safe because a lady told me that if the hotel had electricity and food, stay inside the hotel, the hotel was safe, it was almost the same to go outside. There was at least some rest inside the hotel. There was electricity to charge the phone, there was a toilet
We are also afraid, and we don't know what to do is the best. We are not just our own family. There are other family members. We came by car. After asking everyone's opinions, everyone decided to stay in the hotel first. I also have to go with the brigade. It is
You are not at the scene, you don't know the situation here. The people who took the boat, some who capsized the boat halfway, some who couldn't move forward halfway because the water was too urgent and were forced back to the hotel. We have old people and children here. We don't know if there is life jackets in the boat, we will also worry about safety. That's why I said we are safe for the time being
Later, we will post for help because our situation at that time was completely out of electricity and no food. The hotel said it would not turn on electricity and would not prepare food for us anymore. The water level never stopped and the rain never stopped. In such a situation, of course, we asked for help to get out of here! Because the situation is different.
We did come down from 1 o'clock lobby until 7pm when it was dark and didn't see any boats coming. Only once came to deliver food but no crew was taken. There was no boat to save us. We don't get on the boat and waste resources. There are no boats here. There are dozens of people here who are trapped here and can't leave because no boats have come! No boats come our hotel wants to save us we don't get on the boat

Le Don
post Today, 11:51 AM

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Looks like many cars fully submerged

nebula87
post Today, 11:55 AM

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QUOTE(Le Don @ Nov 25 2025, 11:49 AM)
*
People have kantoi her already. The husband account posted said different stories..

Hotel is safer than outside she said...brain sangkut mana tak tau ni.. Many Malaysians already safely fetched out yesterday but they prefer to be reporter and stays in the hotel enjoy the flood.. doh.gif

Kesian the child.. the mother is crazy one..

This post has been edited by nebula87: Today, 11:57 AM
Jasonist
post Today, 11:58 AM

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LEL later nak jual, flood free pulak
leanman
post Today, 11:58 AM

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QUOTE(TOMEI-R @ Nov 25 2025, 11:03 AM)
Like mentioned. You should take special perils for convulsion of nature with your local insurer here, then MUST add another additonal cover to the kingdom of Thailand for your travelling period.

For Thai side insurance, you must buy the compulsory cover like usual, but do add the voluntary cover to protect you against third party claims like damage to houses, street post signs, barriers etc, vehicles.
But then again, customers rarely listens. They only panic when faced with the above situation. Some don't even to purchase insurance through agents like us anymore. Prefer to go buy online to save on the little bit of commision. So they dont get interaction and advise from agents regarding these situation.
*
Just wondering, if I have special perils bought in Malaysia, does that also cover while I am in Thailand. Or I still need to buy extension on the special perils as well?
I am pretty much aware of the extension, which I bought last time when I traveled to Thailand, fully agreed as your mentioned, 70% are not aware of this, maybe more. It does not cost a lot more, my case was about RM100



 

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